Decisioning that prices for residual value risk.
Auto portfolios carry collateral dynamics that a FICO floor alone cannot capture. Prism Layer layers LTV, vehicle segment, and payment-to-income rules alongside your credit policy — and produces the ECOA adverse action documentation your dealer review process and CFPB examiners both require. Built for auto-finance shops running 500–5,000 originations per month across direct and indirect channels.
Request DemoAuto credit has layers that a single FICO cut-off can't handle.
A 680 FICO on a new BMW at 110% LTV and a 680 FICO on a 3-year-old Camry at 85% LTV are different risk propositions. Your policy manual knows this. Your current decisioning system may not surface it in a way that satisfies a fair lending examiner.
LTV tiers buried in spreadsheets
Vehicle segment and loan-to-value rules maintained in separate workbooks from the credit policy — exceptions pile up with no conflict detection.
Examiner-unfriendly adverse action
When decline reasons mix collateral factors with credit factors, auto-generated ECOA codes often fall back to generic categories that invite follow-up questions.
No shadow validation path
Updating dealer-tier pricing or LTV schedules means a policy change in production with no mechanism to observe how it would have changed last quarter's approvals before you flip the switch.
Vintage analysis gaps
Connecting origination decisions to 12-month charge-off outcomes by vehicle class requires joins across systems that weren't designed to talk to each other.
Collateral-aware rules. Credit-aware scoring. One audit trail.
Prism Layer's Rules Studio lets you encode vehicle-segment policy alongside credit cutoffs in a single policy layer, while the scoring engine and explainability module turn each decision into a documented, examiner-ready output.
Unified policy authoring
Encode LTV tiers, vehicle age caps, payment-to-income rules, and FICO floors in a single Rules Studio environment. Conflict detection flags when two rules produce contradictory outputs on the same application profile.
Rules Studio detailsMulti-factor adverse action
When a decline involves both credit and collateral factors, Prism Layer generates a properly ordered ECOA adverse action notice that maps to the actual decision logic — not a catch-all "other" category.
Fair Lending moduleShadow-mode policy testing
Before you change your LTV schedule for 2026 model-year vehicles, run the new policy in shadow alongside current originations. See projected approval-rate changes, demographic disparity shifts, and average yield impact — before the policy goes live.
Shadow Mode detailsBuilt for lenders who face dealer audits and CFPB examinations.
Every output from Prism Layer is structured to answer the question regulators and dealers actually ask: why did this applicant get this answer, and can you show your work?
Bring your auto application tape.
We run a 30-day scoped evaluation using your historical originations. No commitment, no production changes. You walk away with a documented model risk assessment and a working decision engine demo against your own data.
Request Evaluation